This home is in Fernandina Beach — a home near Fernandina Beach High School.
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Sold·Closed Nov 4, 2025·201 days on market·Recent sales in Amelia Island
415 Dunes Of Amelia Drive
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Enjoy year-round relaxation in your heated, saltwater pool, nestled within a screened outdoor oasis overlooking breathtaking water views—sunset here is a dream. This expansive 5BR/3.5BA home is packed with upgrades, including wood-look tile flooring in the main living areas, crown molding throughout, and a stunning kitchen featuring quartz countertops, a glass backsplash, natural gas cooking, and stainless steel GE appliances. The current owners have added a stylish coffee bar, perfect for your morning routine or entertaining guests. Additional highlights include a walk-in pantry and a laundry room with a wash basin and bonus storage. Retreat to the luxurious owner's suite, complete with dual vanities, a frameless glass double-head shower, a standalone soaking tub, a linen closet, and a spacious walk-in closet. With 5 bedrooms and an office space, this home is perfect for a large family or those who love to host guests.
Next steps in Amelia Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Metal, Shingle — year not disclosed (home built 2017)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,805 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
Last sold: $835,000 in October 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $691,980 | $565,310 | — |
| 2024 | $655,000 | $548,671 | — |
| 2023 | $581,234 | $531,234 | — |
| 2022 | $497,586 | $326,629 | — |
| 2021 | $383,957 | $315,659 | — |
| 2020 | $360,610 | $310,610 | — |
2024 property taxes (current owner): $10,202/yr
Estimated taxes if purchased at asking price: ~$13,900/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $350/sq ft; this home is listed at $327/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 396 Sargasso Street, Fernandina Beach, FL 32034Listed by WATSON REALTY CORP | Jul 2026 | $710,000 | $348 | 3/2.5 | 2,041 | 85 | 0.1 |
| 536 Spanish Way W, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $739,000 | $350 | 3/2 | 2,111 | 21 | 0.3 |
| 2972 Ferdinand Court, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jul 2026 | $885,000 | $316 | 5/3 | 2,797 | 51 | 0.4 |
| 2971 Ferdinand Court, Fernandina Beach, FL 32034Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $985,000 | $378 | 4/3 | 2,606 | 0 | 0.4 |
| 96233 Montego Bay, Fernandina Beach, FL 32034Listed by FERNANDINA BEACH REALTY | Aug 2026 | $755,000 | $381 | 4/2 | 1,984 | 88 | 0.8 |
| 2616 Benz Place, Fernandina Beach, FL 32034Listed by MOMENTUM REALTY | Sep 2026 | $660,000 | $319 | 4/2 | 2,067 | 45 | 1.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FERNANDINA BEACH REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Nov 4, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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